Agricultural Field Calculators
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Ag Loan Calculator

Calculate payments and amortization for a single loan, or use the Debt Overview tab to enter all your current loans and see total debt, total annual payments, total annual interest, and every figure broken down per acre.

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Ag Loan Calculator

Estimate your loan repayments, total interest, and cost per acre for equipment, land, or operating loans.

Extra Payment (optional)

Fill in the fields and press Calculate to see your results.

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Disclaimer — Loan payment calculations are estimates for planning purposes only. Actual loan terms, interest rates, and fees are determined by your lender. This calculator does not constitute a loan offer or financial advice. Consult a licensed agricultural lender or financial advisor for your specific situation.

Frequently Asked Questions

Payment = P × [r(1+r)^n] ÷ [(1+r)^n − 1]. P = principal, r = monthly rate (annual rate ÷ 12), n = months. A $500,000 loan at 6.5% for 20 years: payment ≈ $3,731/month or $44,772/year.
Farm land loan rates in 2025 typically range from 6.0–7.5% depending on lender, down payment, and credit profile. Farm Credit Services and Northwest Farm Credit offer competitive rates for qualifying operations.
A $500,000 loan at 6.5%: 15-year term = $262,000 total interest; 20-year = $397,000; 30-year = $637,000. The 30-year vs 15-year difference is $375,000 in additional interest paid.
Most agricultural lenders require DSCR ≥ 1.25, meaning farm income must be at least 25% above total annual debt payments. The debt overview tab calculates combined payments across all loans.
Annual debt payments ÷ total acres operated. A farm with $120,000/year in payments on 1,200 acres = $100/acre debt service cost. Compare to local cash rent to evaluate land purchase economics.
Yes — click Export PDF after calculating. Enter your farm name for the report header. The PDF includes the full amortization schedule, total interest summary, annual payment totals, and cost per acre.

Agricultural operating loan rates typically run prime + 0.5% to prime + 2.5% depending on borrower creditworthiness, collateral, and lender. In 2025–2026, with prime near 7.5–8%, operating rates for strong farm borrowers ranged 8–10%. Equipment and real estate loans generally carry lower rates than operating lines.

Annual debt service = annual principal + annual interest. For a $500,000 loan at 7% over 20 years, annual payment ≈ $47,000 ($500,000 × 0.09439 amortization factor). Monthly payment = annual ÷ 12 = $3,917. Use the Ag Loan calculator to find exact payments at any rate and term.